Golden Empire Mortgage
We analyzed every closed loan from Golden Empire Mortgage — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 23 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,846)
Explore another lender or local market
Report Card
Golden Empire Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+37.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 24 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,380 | 51.8% | +0.340%Above | $4,806Fees | ||||
FHA Loans | 1,050 | 39.4% | +0.542%Above | $5,235Fees | ||||
VA Loans | 179 | 6.7% | -0.249%Below | $3,937Fees | ||||
Jumbo Loans | 50 | 1.9% | +0.404%Above | $1,695Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,380
Mix51.8%
Spread
+0.340%Above
Fees
$4,806Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,050
Mix39.4%
Spread
+0.542%Above
Fees
$5,235Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume179
Mix6.7%
Spread
-0.249%Below
Fees
$3,937Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume50
Mix1.9%
Spread
+0.404%Above
Fees
$1,695Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,385 | 89.5% | +0.384%Above | $5,093Fees | ||||
Refinance | 279 | 10.5% | +0.321%Above | $3,429Fees |
Purchase
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume2,385
Mix89.5%
Spread
+0.384%Above
Fees
$5,093Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume279
Mix10.5%
Spread
+0.321%Above
Fees
$3,429Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,664
Applications
3,628
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.375%
vs. market APOR
Avg Net Fees
$4,846
Origination − Credits
Pullthrough Rate
73.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$455,983
Avg Borrower Income
$156,489
Avg Property Value
$563,071
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Midwest3
ILINMO
South3
FLTNTX
West6
AZCACONVORWA
Top Metro Areas by Place Specialization Score
Volume 415Mix 15.58% of portfolio
100/100
Exceptional
Volume 141Mix 5.29% of portfolio
97/100
Exceptional
Volume 305Mix 11.45% of portfolio
89/100
Exceptional
Volume 331Mix 12.42% of portfolio
88/100
Exceptional
Volume 157Mix 5.89% of portfolio
84/100
Exceptional
Volume 329Mix 12.35% of portfolio
77/100
Strong
Volume 217Mix 8.15% of portfolio
73/100
Strong
Volume 62Mix 2.33% of portfolio
71/100
Strong
Volume 36Mix 1.35% of portfolio
70/100
Strong
Volume 46Mix 1.73% of portfolio
68/100
StrongShowing 10 of 23 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 2,371Mix 89.00% of portfolio
87/100
Exceptional2
OregonState
Volume 102Mix 3.83% of portfolio
64/100
Strong3
TexasState
Volume 118Mix 4.43% of portfolio
56/100
Sound4
MissouriState
Volume 24Mix 0.90% of portfolio
45/100
Sound5
NevadaState
Volume 15Mix 0.56% of portfolio
42/100
Sound6
ArizonaState
Volume 17Mix 0.64% of portfolio
41/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.